Home Insurance in Coney Island, Missouri
With a median home value of $517,900, Coney Island is 108% higher than the Stone County median.
The typical home in Coney Island was built around 1970. About 16% of homes were built before 1960, about 9 points above Stone County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coney Island is 82% single-family homes and 18% mobile or manufactured homes.
38% of owner-occupied homes in Coney Island carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Coney Island are owner-occupied. The vacancy rate is 60%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Coney Island - 65% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Stone County's overall risk as Relatively Low, led by strong wind (Very High). Stone County had 54 active NFIP flood policies as of September 2026. See the full Stone County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $517,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Stone County | 54 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)